**EXHIBIT31.2**

 

**CFO’sCertification**

 

I, Jack B. Buchold,certify that:

 

1.                                       I have reviewedthis annual report on Form 10-KSB of The Bank Holdings;

 

2.                                       Based on myknowledge, this report does not contain any untrue statement of a material factor omit to state a material fact necessary to make the statements made, inlight of the circumstances under which such statements were made, notmisleading with respect to the period covered by this report;

 

3.                                       Based on myknowledge, the financial statements, and other financial information includedin this  report, fairly present in allmaterial respects the financial condition, results of operations and cash flowsof the small business issuer as of, and for, the periods presented in thisreport;

 

4.                                       The small businessissuer’s other certifying officer and I are responsible for establishing andmaintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) and internal control over financial reporting(as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the smallbusiness issuer and have:

 

(a)                   Designed suchdisclosure controls and procedures, or caused such disclosure controls andprocedures to be designed under our supervision, to ensure that materialinformation relating to the small business issuer, including its consolidatedsubsidiaries, is made known to us by others within those entities, particularlyduring the period in which this report is being prepared;

 

(b)                  Evaluated theeffectiveness of the small business issuer’s disclosure controls and proceduresand presented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by thisreport based on such evaluation; and

 

(c)                   Disclosed in thisreport any change in the small business issuers internal control over financialreporting that occurred during the small business issuer’s most recent fiscalquarter that has materially affected, or is reasonably likely materiallyaffect, the small business issuer’s internal control over financial reporting;and

 

5.                                       The small businessissuer’s other certifying officer and I have disclosed, based on our mostrecent evaluation of internal control over financial reporting, to the smallbusiness issuer’s auditors and the audit committee of the small business issuer’sboard of directors:

 

(a)                   All significantdeficiencies and material weaknesses in the design or operation of internalcontrol over financial reporting which are reasonably likely to adverselyaffect the small business issuer’s ability to record, process, summarize and report financial informationand

 

(b)                  Any fraud, whetheror not material, that involves management or other employees who have asignificant role in the small business issuer’s internal control over financialreporting.

 
| Date:  March 31, 2006    |
|--------------------------|
| /s/  *Jack B. Buchold*   |   |
| Jack  B. Buchold         |
| Chief  Financial Officer |

 

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